Bread Financial Holdings Inc

BFH: XNYS (USA)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
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Bread Earnings: Strong Results as Lower Credit Losses More Than Offset Poor Loan Growth

Michael Miller

Oct 23, 2025

Bread reported good third-quarter results thanks to lower credit costs and a strong net interest margin. Net revenue declined 1.2% from last year but rose 4.5% from last quarter. Adjusted earnings per share rose to $4.02 from $1.84 last year, translating to a return on equity of 24.8%.

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United States

Bread Financial Holdings Inc

Bread Earnings: Strong Results as Lower Credit Losses More Than Offset Poor Loan Growth

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